License Requirements

How to Renew a Florida Insurance License

How to Renew a Florida Insurance License

Updated: June 7, 2023

A.D. Banker Provider #: 30727

Get Started

On this page, you’ll find a comprehensive guide to maintaining your Florida insurance license. At A.D. Banker & Company, we’re here to walk you through the process and make completing your continuing education requirements as easy and painless as possible.

We offer several different study methods to cater to your needs and help you grow as an insurance professional. Whether you’re interested in learning the latest topics in insurance CE webinars, or having unlimited access to our online CE courses, we strive to provide options that fit around your busy schedule. Each of our courses are designed to not only be straightforward and simple, but also valuable to your career.

To begin the process, you will need to complete 2 steps listed below.

1. Review the State Requirements

The first step to maintaining your insurance license is to review Florida’s CE requirements. Depending on which lines of insurance you’re licensed in, the continuing education hours you’re required to complete will vary. All hours must be completed and reported prior to your reporting period expires to avoid a lapse in your license. The Florida Department of Insurance requires you to complete your hours by the last day of your birth month every 2 years. The first reporting will not be due until after the licensee has been licensed for at least 2 years.

Florida insurance licenses are perpetual. As long as the continuing education requirements are completed on time, the licenses automatically renew.  

General Requirements

How many total hours of CE do I need to complete?
Insurance agents and adjusters who have been licensed less than 6 years are required to complete 24 total hours every 2 years

After being licensed for 6 years, the CE requirement reduces to 20 total hours every 2 years.

Title, customer representative, and industrial fire agents must complete 10 hours every 2 years.

What courses can I take to satisfy my total hour requirement?
You can take 20 of your total hours in any line of authority (6 hours for customer representative and industrial fire, 10 hours for limited surety/bail bond). 4 hours of Law and Ethics must be in the license type held. 

Title agents must complete 7 hours of standard continuing education and 3 hours of Law and Ethics update. 

Public Adjusters (03-20) must take CE courses specifically approved for Public Adjusters.

Can I take any continuing education course?
It depends. Your Ethics requirement can only be fulfilled by approved ethics courses in the line of authority; however, the rest of your hours can be fulfilled by any approved CE course in any line of authority.

You may also need to take specific courses or earn specific credit types to maintain your license. These course completions will count towards your total hour requirement.

When is the renewal date for my insurance license?
In Florida, insurance agent and adjuster licenses are perpetual, provided that you are appointed and meet continuing education requirements. Continuing education must be completed by the last day of your birth month every 2 years.

If you fail to complete CE by the deadline, existing appointments will not be automatically renewed. Failure to hold at least 1 appointment after 48 months will result in the cancellation of your license.

Do extra hours completed in a previous CE period carry over?
Yes. The state of Florida allows a maximum of 24 excess continuing education hours to be carried over into the next reporting period. Excess hours in ethics can carry over to the next reporting period; however, those hours will only be counted as general credits and will not fulfill the Ethics requirement.

Can I repeat Continuing Education courses for credit? 
No. Courses may not be taken more than once in a two-year period. Completion dates must be at least 24 months apart.

Am I exempt from Continuing Education?

If you meet any of the criteria below, you will be exempt from completing continuing education to maintain your license:

  • Are a nonresident in a reciprocal state (except for LTC requirements)
  • Hold a license for which no exam was required
  • Are an official and/or employee of a government entity, and your job requires you to stay current on insurance issues (must request approval from FDI)
  • Hold any of the following limited licenses: dental representative, motor vehicle physical damage and mechanical breakdown agent, crop hail, and multiple-peril crop agent

Life & Health Agent Product-specific Requirements

Prior to selling, soliciting or negotiating the following products, you’re required to complete initial certification training. These training hours can be applied towards the total hours needed to maintain your license.

What are the requirements to sell Annuity products?

Annuity Best Interest - Effective January 1, 2024

1 hr - Resident and non-resident producers licensed and certified to sell annuity products in Florida prior to January 1, 2024, who have previously completed NAIC Annuity Suitability requirements in a non-resident state, must complete 1 or 4 hours of NAIC Annuity Best Interest training no later than July 1, 2024. A.D. Banker & Company offers these courses online or via live webinar. Both satisfy the training update requirement.

4 hrs - Resident and non-resident producers licensed in Florida on or after January 1, 2024, must complete a one-time 4-Hour Annuity Best Interest Certification Training course before selling annuities in Florida.

NAIC Annuity Best Interest training courses completed in any other state reciprocates with the Florida requirement.

What are the requirements to sell long-term care products?
Insurance agents licensed in Accident & Health or Sickness must complete 8 hours of initial Long-Term Care (LTC) Certification Training before selling, soliciting or negotiating Long-Term Care (LTC) products. After completing the initial requirement, agents must complete 4-hours of ongoing LTC training within 24 months of the last LTC course.

Property & Casualty Agent Product-specific Requirements

Prior to selling, soliciting or negotiating the following products, you’re required to complete initial certification training. These training hours can be applied towards the total hours needed to maintain your license.

What are the requirements to sell flood insurance?
Property/Casualty agents must complete a one-time 3-hour NFIP Flood Insurance Certification Training course prior to selling flood insurance policies.

2. Register for and Complete Courses

Once you have determined the requirements to maintain your license, you are ready to choose and register for insurance continuing education courses. You may complete your hours through webinars, online courses, self-study courses, or any combination thereof. These options allow you to decide how to best fit your continuing education into your existing schedule.

Each course is listed with an associated credit type. You must select courses that have the appropriate credit types for fulfilling the requirements to maintain  your license.

Webinars: Completion is based on attendance and participation. You must be present for the full duration of the course, and you must be active throughout to receive credit. There is no certification exam required.

Online and self-study courses: Completion is self-paced. You must review the course material and pass the Certification Exam at the end to receive credit. Certification exams do not require a monitor.

A.D. Banker will report your completed hours to the Florida Department of Insurance within 1 business day.

We’re Here to Help

Ready to start fulfilling your continuing education requirements? Get started online now or call A.D. Banker’s direct enrollment line at 1-(800)-866-2468. Courses can be completed online, through live webinars, and through self-study. A.D. Banker’s customer care team is available to assist with any questions and create a course plan for you. 

Course completions are automatically reported daily and are approved to satisfy LTC, AML, Annuity Suitability, Flood, Ethics, and other state-specific requirements.

Frequently Asked Questions

How do I find my license number?

To find your license number and other additional details relating to your license, use the FL DFS Licensee Search.

How do I print my license?

You can print your license online by logging into the MyProfile service on FDI’s website or with NIPR.

How do I view my Continuing Education (CE) transcript?

Your continuing education transcript can be accessed through Florida’s MyProfile service. Your transcript will show the number of hours you’ve completed.

How do I get my CE hours reduced?

To be eligible for a reduction, certain education and experience requirements must be met. 

  1. After 6 years of being licensed, you will receive an automatic reduction. 
  2. After 25 years of being licensed in the same line of business and have a CLU or CPCU designation, or if you have a college degree in risk management or insurance with 18 semester hours of approved courses, you can apply for a reduction

What happens if I do not complete my continuing education on time?

You will receive a preliminary notice of noncompliance approximately 45 days from the end of your compliance period. This notice will list several options to become compliant.

If you have not completed your continuing education requirement due to extenuating circumstances, you may qualify for an extension. You may apply for an extension, but applications are approved on a case-by-case basis.

For additional information on license compliance, contact the Florida Department of Insurance.

Continuing Education Webinars: Live online "classroom" courses... NO EXAMS!

A.D. Banker & Company provides licensing information as a courtesy to our students. While reasonable attempts have been made to ensure the accuracy of this information, licensees are ultimately responsible for ensuring that they are in compliance with the requirements set forth by their state licensing entity. A.D. Banker & Company offers no guarantee of the accuracy of this information and will not be held liable in case of noncompliance with the license requirements.

  • © 2023 A.D. Banker & Company